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  1. actually, the more i think about it, i couldnt sue for anything based on the contract for the same reason that cant sue me. its past SOL. their response would just be its time-barred. they can just ignore everything. I have to validate the debt, this is all hypothetical not even sure what this is for.
  2. im very familiar with arbitration, ive done 6 of them 1 almost to the end. the FAA applies on how the arbitration is conducted once it starts, Utah law is not relevant to issues specific to florida. the enforcement and filing is in the appropriate court for the issue. been there and done that.
  3. im not even sure what it is yet, it very well could be a zombie debt from a long time ago. arbitration is a contractual obligation, not a federal law. ive had it enforced before in small claims as well as state court. if it is what i suspect, then the contract provision specifically states these types of activities are able to be arbitrated.
  4. Thank you for your reply. I should have clarified, i would do it under the state FCCPA (florida's FDCPA) to keep it in the florida courts. (Ive done this before). But you answered the question that they own it now (once i dispute it ill know for sure). I was thinking i would file JAMS. if no response, file a case with a motion to stay proceedings pending arbitration. If still no response or JAMS closes it due to no response, then motion for a summary judgment. dont forget, there is NO tradeline for this account on any of the CRA's from
  5. I searched but could not find an answer anywhere to this circumstance, so I figured i would ask. I have a JDB collection appear today for $650 from JHPDE FINANCE I, LLC for a synchrony bank (JCPenny?) account I believe it is from an old JCPenny account from more than 5 years ago, based on the amount. There is no trade line on the report for this from synchrony, so i am guessing from the amount thats what it was from. (or it really isnt mine) I have not received any dunning letter from this company ever and they put the ding on the CRA's
  6. Im working on getting a couple small medical collections off my reports using WhyChat method (3 of them, $50 or less, just overlooked) Im having trouble getting the actual account number from the reports. I got them through annualcreditreport.com (I also have myfico.com) , but even on there, all of the 3 bureaus have the masqueraded account numbers 1234XXXXXXX how on earth do you get the actual acct number? or is it ok to do whychats method with 1234XXXXX?
  7. Few years ago, I was sued by Hyat Hyat and landau on behalf of BofA (credit card, default judgment - 11K) They sent an offer to settle for 60%. I want to counter offer, however i am concerned about them re-aging the debt if i send them an offer. Is there a proper way to write a counter offer without causing jeopardy to the reporting/aging? I am not concerned about them being able to collect. They have already tried to garnish wages and levy bank account, but in each case, the judge ruled in my favor for exemption. State is Florida. j
  8. i am starting to think it is a mistake with the title report company. i looked it up on the county records, and i found the record. its shows "0" owed under consideration (where it would show what was outstanding) in fact, it came up with another judgment, same thing, credit card(discover), and it also show 0. (and that one did not come up on the title search). I really think they made a mistake (the underwriter is calling the title company now, as he saw it with his own eyes)
  9. hi So we are looking to cash-out refinance our home. the title report came back with a Lien from bank of america for a default judgment on my wife for a credit card debt. We are in Florida, the property is jointly owned (husband/wife tenancy by entiretys), homesteaded. The credit card debt was individual (her). This should never happen. here is where it gets weird. the judgment was for $11K with court costs of $350. the lien is for $350. I called and talked to 2 attorneys, and they both had no clue. the
  10. this is for my daughter and her husband Daughter unemployed - 675 credit score. husband - 565 credit score, $30K income. house they are looking to buy: $170K Downpayment $50K. (daughter has a trust fund that is maturing) so they need her money, his income. any idea of any broker that can find an underwriter for this? Credit profiles her: one 5 year old charge off from capital 1 ($500) one credit cart, 0 balance no lates or anything. Credit line is 5 years old. his: student loan 7K. had late payments this is whats hurt his score. its in deferme
  11. also, is there a place to get your credit reports that gives a deal for husband/wife?
  12. i didnt think about the authorized user, she has a cc in excellent standing and probably 5+ years old] i will see his report later, she is getting it and bringing it over how hard can it be to get up 40-50 pts from there?
  13. hi my daughter and new husband are looking to purchase a house. problem is with income and his credit. her credit is 680-710, his is 560-570. she does not have a job, however, she has a trust fund that she will be able to get about $60K out for a downpayment (in september). he is a manager at walmart, for last 5+ years. qualifying with just his income shouldn't be a problem. (looking for a 120-150K house, payment estimated around $450/month with tax/insurance) i havent seen his credit report yet, but from what he says, he should only have 2 items on it. a credit
  14. JDZ first, i am not being rude, I'm just asking questions. if you look at my profile, you will see I've been on the is forum for almost 10 years now. when i started, my FICO was under 500, now i am at 820. I am not an attorney, but I've taken all 3 CRA's to court, and won. multiple CA's to court pro-se and won. that said I think i have a little experience than most people here. and questioning any information obtained on an internet forum is just prudent. My lawyer has a saying.. there's right, there's wrong, and there's legal... all three are very different.
  15. i think i found some more information. it appears that they can only take the federal return if it is federal related (IE: student loan default).. No CA can do this, only the Dept of Ed. they COULD intercept a state tax return. i have found multiple references to people getting their state tax taken, but not federal. here in florida, we are one of only a few states with no state income tax, so that option doesnt exist. i have still not found a single reference to a state level debt (no federal money involved, only state) to have a tax return taken, or for anything to become of i
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